The Kirkland Income Fund I is a principal preservation-focused passive high-yield income fund.

Since its inception, the fund has consistently delivered positive monthly returns and distributions. Investors have the opportunity to participate in a fund focused on providing micro-balance commercial real estate loans, supporting the rehabilitation of middle-income affordable housing and neighborhoods, which may contribute to positive social and environmental outcomes.

Kirkland Capital Group, the Fund’s Manager, combines over 75 years of experience in investment management, real estate, and technology to build and fortify investor’s wealth.

Benefits of exposure to private credit with Kirkland Capital Group

Consistent and Stable Returns

The Kirkland Income Fund I aims to provide stability and consistent performance by focusing on strategic real estate debt investments. With $34.69 million in total assets under management and $50.96 million in total loan originations, the fund demonstrates its capacity to generate value through strategic real estate debt investments.

Over the trailing 12 months, the fund reported a 10.71% net return, reflecting its ability to generate income in varying market conditions. Since inception, the fund has achieved a 57.66% cumulative net return. While past performance provides context, it is not indicative of future results, and all investments carry inherent risks, including the potential loss of principal.

*Source: Kirkland Capital Group. All numbers as of November 30, 2024 and percentages are compounded monthly.

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Diversified and Conservative Portfolio

The Kirkland Income Fund I operates with a focus on a foundation of diversification and conservative investment principles, aiming to provide a balanced approach to real estate debt investments. The portfolio maintains a 60.09% weighted average loan-to-value (LTV), reflecting its approach to risk management and capital preservation. With a weighted average loan maturity of just 7.76 months, the fund emphasizes liquidity and adaptability to evolving market conditions.

The portfolio spans a diverse range of property types, including retail, light industrial, hospitality, warehouse, and multifamily properties, ensuring resilience across various real estate sectors. This diversification is further enhanced by the fund’s widespread geographic presence, providing access to opportunities and mitigating location-specific risks.

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Equity-Like Returns with Debt-Level Risk

Kirkland Income Fund I seeks to provide investors with the potential for returns comparable to equity investments while emphasizing debt instruments' stability and risk profile. The fund consistently delivers strong performance with minimal volatility, offering a reliable income stream alongside robust capital preservation.

With low correlations to major equity, bond, and REIT indices, the fund operates independently of traditional market movements, seeking to enhance portfolio diversification. Its approach seeks to manage broader market volatility, positioning the fund as a potential option for steady income generation and risk-adjusted returns.

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All data provided by Kirkland Capital Group. Past performance is not indicative of future results.

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Offering Documents

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Disclosures

Neither Alto Securities, LLC (“Alto Securities”) nor any of its affiliates provide any investment advice or make any investment recommendations to any persons, ever, and no communication herein or otherwise shall be construed as investment advice or a recommendation about any specific security offering, investment, asset, or fund. Private securities are intended for highly sophisticated investors and involve substantial risks. These risks include but are not limited to a lack of operating history, leverage, liquidity of the portfolio, segregated portfolio fund risk, diversification and concentration risk, and long-term investment risk. Past performance does not indicate future results; all investments carry inherent risks. Diversification does not eliminate risk, and returns on investments are not guaranteed. It is advisable to consult with financial professionals and conduct due diligence before making a decision. Furthermore, there is a risk that investors may receive little or no return on their investment or may lose part or all of their investment. However, there needs to be assurance that the managers will successfully achieve the investment objective offered or deliver positive returns.

Investing in private securities carries a high risk and is considered speculative. Private securities are illiquid and do not trade like public markets. Illiquidity can result in investors having to sell their private securities at a price lower than their initial investment. This may lead to realized losses when exiting a position, and investors should be prepared for this possibility. An offering's investment objectives are not guaranteed to succeed under all market conditions. A fund's interest income may be affected by various factors, including investment performance, realized and projected market returns, fluctuations in market interest rates, and other pertinent factors.

Concerning any reference to high-net-worth individuals and institutions, it is essential to note that these investors often have substantial financial resources and longer investment horizons, which may differ from those of individual investors. Before participating in these opportunities, potential investors should carefully consider their financial circumstances, risk tolerance, and investment objectives.

Alto Securities, LLC (“Alto Securities”) is a member of FINRA/SIPC.

Alto Securities, LLC serves as the placement agent for the fund's offering and will be compensated based on the investments made in the fund.

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